@ beingreal40: yes, sorry to say this gentleman did mention the YSP paid back to the broker from the bank which is NONE of the Borrower's business anyway! The points up front are from the borrower to the broker, that is for the work they are doing for you and if you can get a 0 point loan then ...
I love Nonna! that was great :) she is awesome! Go Nawn, Go Nawn!